Despite living in a state where there are no dram shop laws, independent agent Roger Cole always offers his clients liquor liability coverage “because there’s always that anomaly that can take place within the law,” he says. “It’s our job to convince them
To effectively compete in 2018, your restaurant clients need to focus on one area in particular: their employees.
Independent agent Andrew Bierschied moved into the insurance industry to “have a little more control over my own destiny, career-wise and financially,” he says.
From typical property and liability risks like slip-and-fall to less common ones like food-borne illnesses, restaurants face a variety of unique exposures. And that requires securing additional layers of coverage beyond what an average small business requ
A fast-paced environment coupled with slippery surfaces make restaurants liability landmines, leading to costly workers comp and personal injury claims.
Understanding dram shop law in every state where you have a liquor liability client is crucial to succeeding in this market. But that’s not all it takes.
Nearly one-third of losses at bars, taverns and nightclubs arise from assault and battery claims. And thanks to various coverage restrictions on assault and battery, the line between liquor and general liability claims is not always clear.
Many smaller restaurants only serve a little bit of wine or beer—and therefore don’t think they need liquor liability insurance. But “that doesn’t exclude you from having a claim,” says independent agent Melinda Langworthy. “I still recommend getting the
Sexual harassment is just one of many common issues that arise in a restaurant workplace—and it’s also one of multiple risks covered by an employment practices liability insurance policy.
Jesse Parenti was born into food. After working in the hospitality industry hands-on for 25 years, he pivoted into commercial insurance—and found out he could apply his past experience to a new niche.